Florida Health Insurance

In Florida, individuals and families have many health insurance coverage options to pick from. Florida has many health insurance companies that offer plans with various levels of benefits and coverage.

For a list of Florida’’s top health insurance companies and to read important updates on health insurance laws, regulations, and other programs, view the information below.

If you are ready to compare Florida health insurance plans, use the quote form below.

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Resources on this page

Health Insurance Information and Regulations in Florida

Public Health Insurance Programs for Florida Residents

Florida Health Insurance High Risk Pools

Florida Health Insurance Companies

Contact Info for the Florida Office of Insurance Regulation and Department of Health

Florida Health Insurance Stats

Total Florida Residents: 18,843,900
Florida Health Care Expenditures (in millions): $132,463
Median Annual Household Income: $46,136
Households with at least 1 Full Time Worker: 8,406,000
Florida Health Insurance Coverage based on Total Population:

  • Employer: 42%
  • Individual: 5%
  • Medicaid: 14%
  • Medicare: 17%
  • Uninsured: 20%
Avg. Annual Employee Premium in FL employer-sponsored plan (after employer contribution) $1,135
Avg. Monthly Florida Individual Premiums: $178
Total Florida HMO Enrollment: 3,955,341

Want more information about cities in Florida? View information on:

Health Insurance Information and Regulations in Florida

Health insurance plans are regulated mostly on a state-to-state basis. This is an overview of a few of the laws and regulations for Florida health insurance.

In the Sunshine State, residents have guaranteed access to Florida health insurance coverage in certain situations. You cannot be denied coverage if:

  • You were diagnosed with breast cancer and completed treatment more than two years prior
  • You were fully covered by a group health plan for at least 3 months
  • You are HIPAA-eligible
  • You move out of an insurance company's service area and are looking for a new plan

Also, small groups of 1 to 50 people are guaranteed acceptance to a Florida health insurance plan.

The federal law COBRA (Consolidated Omnibus Reconciliation Act) gives any Florida resident the right to continue group health insurance coverage if he or she leave a job that provided group coverage.

Florida health insurance law also requires all health plans cover certain medical services. Those services are:

  1. Screening for breast cancer
  2. Care for some diabetes-related conditions
  3. Continuity of care for pregnant women
  4. Vaccinations for children

Florida health insurance plans must also set the same coverage limits and maximums for mental health conditions as they do physical health conditions which is known as mental health parity.

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Florida Public Health Insurance Programs

These Florida health insurance programs are designed to provide coverage for low-income residents:

  • Medicaid
    The Florida Medicaid program offers some low-income adults and children with health insurance coverage. Families who have high medical bills may also qualify for Medicaid in Florida. Visit http://www.fdhc.state.fl.us/Medicaid/index.shtml for more information.

  • Florida KidCare
    Florida children in families who do not qualify for Medicaid, but cannot afford private coverage, may be eligible for the Florida KidCare program. Currently, any child in a family earning less than 200 percent of the federal poverty level qualifies. Visit Florida KidCare online for more info.

  • Mary Brogan Breast and Cervical Cancer Program
    The Mary Brogan program provides some women in Florida with screening for breast and cervical cancer. If diagnosed with breast or cervical cancer, eligible women can receive full health insurance coverage though Medicaid. To learn more about this Florida health insurance program, visit their website.

  • Florida Medicare
    Seniors who are eligible for Florida Medicare can find coverage through Medicare Advantage, Medicare Supplement or Original Medicare.

Under the Federal Health Coverage Tax Credit, some Florida residents may qualify for financial assistance from the federal government. Visit the Internal Revenue Service (IRS) online to learn more.

You can also find out if you qualify for other Florida health insurance programs at http://ahca.myflorida.com/.

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Florida Health Insurance High Risk Pools

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those who have pre-existing conditions.

The Pre-Existing Condition Insurance Plan (PCIP) in Florida is not a public program and enrollees will have to pay monthly premiums and out-of-pocket expenses like normal Florida health insurance plans.

Florida residents with PCIP will pay around the same amount that people without medical conditions pay on the private insurance market. The estimated monthly premium rates for Florida residents are $363 for ages 0 to 34; $435 for ages 35 to 44; $556 for ages 45 to 54 and $773 for people 55 and over. There is also a $2,500 deductible.

The Florida health insurance high risk pool will provide coverage for hospital and doctor visits, prescription drugs, emergency services and more.

Individuals are eligible to enroll in the Florida PCIP if they are a United States citizen, have been uninsured for six months and have a pre-existing condition.

The Florida Legislature opted to have the federal government run the high risk pool and residents can find more information on the Florida health insurance high risk pools at http://www.healthcare.gov/index.html.

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The following list of companies offer Florida health insurance plans:

Aetna Health Insurance

Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.

Get Aetna Health Insurance in Florida

AetnaAARP Health Insurance

Aetna covers more than 30 million members and is one of the largest health insurance companies in the country. Policyholders have access to over 787,000 doctors, hospitals and other health care providers.

Get AetnaAARP Health Insurance in Florida

Assurant Health Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Get Assurant Health Health Insurance in Florida

Avalon Healthcare Health Insurance

Avalon Healthcare is a leading health insurance provider in Florida. They provide consumer-directed health plans for both individuals and businesses.

Get Avalon Healthcare Health Insurance in Florida

AvMed Florida Health Insurance

For more than 40 years, AvMed Florida has been a top provider of affordable health insurance solutions for individuals, families and senior citizens.

Get AvMed Florida Health Insurance in Florida

Blue Cross Blue Shield of Florida Health Insurance

As a non-profit insurance company, BCBS of Florida provides a wide variety of health insurance plans with superior customer service.

Get Blue Cross Blue Shield of Florida Health Insurance in Florida

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Get Celtic Health Insurance in Florida

Cigna Health Insurance

CIGNA is one of the oldest insurance companies in America, providing health insurance and other coverage solutions to millions of consumers around the country.

Get Cigna Health Insurance in Florida

Coventry Health Care Health Insurance

CoventryOne Florida offers affordable health insurance solutions and a wide range of convenient health care provider networks to receive quality care.

Get Coventry Health Care Health Insurance in Florida

Humana Health Insurance

Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.

Get Humana Health Insurance in Florida

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.

Get John Alden Health Insurance in Florida

Standard Security Life Health Insurance

Started in 1978, IAC offers management services to large companies who self-insure.

Get Standard Security Life Health Insurance in Florida

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Get Time Insurance Health Insurance in Florida

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

Get Time Short Term Health Insurance in Florida

UnitedHealthOne Health Insurance

Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.

Get UnitedHealthOne Health Insurance in Florida

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Get WorldIns ExpressMed Health Insurance in Florida

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Florida Office of Insurance Regulation and Department of Health

Find the contact information for the Florida health insurance and health departments at:

Florida Office of Insurance Regulation
200 East Gaines Street
Tallahassee, Florida 32399-0305
Phone: (850) 413-3140

Florida Department of Health
2585 Merchants Row Boulevard
Tallahassee, FL 32399
Phone: (850) 245-4444

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